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See FAQs for more details

There has been a previous price reduction on the property

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000

Switching between provider can only be completed on an annual basis and penalties may be incurred

Borrowers who anticipate rising interest rates

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

If applicable, a redemption fee will come into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

For a mortgage secured on a property, insurance may be required

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself

Compare mortgage rates to find your ideal mortgage, or see how much you could save by changing lenders and re-mortgaging

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

Making an offer is one of the more stressful parts of buying a home

UK Pensions Advice

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

Flexible Mortgages

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

There are a number of limitations to the standard types of mortgages available if your income is erratic, for example if you are self employed or perhaps working on short term contracts

A previous buyer will only be too happy to get some of the costs back